All cards / American Express
American Express Platinum Travel Credit Card
A mid-tier Amex travel card whose real value is the free Priority Pass ($99 waived) and 8 lounge visits a year against a modest ₹5,000 fee — but the 3.5% forex markup and thin base rate outside partners undercut it as an everyday spender.
Rates and fees last verified 19 July 2026.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
points
Base reward rate
2%
Card network
Amex
Card tier
Premium
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 10,000 Membership Rewards points on ₹15,000 spend within 90 days of cardmembership (first year only, on payment of annual fee)
- 8 complimentary domestic airport lounge visits/year (max 2/quarter), plus complimentary Priority Pass membership with the US$99 annual fee waived
- 7,500 bonus points at ₹1.9L spend; 10,000 bonus points at ₹4L spend; 22,500 bonus points + ₹10,000 Taj E-Gift Card at ₹7L spend in a cardmembership year
- 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
- 3X Membership Rewards points at 50+ partner brands via the Reward Multiplier program
Pros
- + Priority Pass membership with annual fee waived
- + 8 complimentary lounge visits/year
- + Strong milestone bonuses for high annual spend
Cons
- − High 3.5% forex markup despite travel positioning
- − No annual fee waiver on spend — fee is fixed every year
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